Stolen Guns and Insurance

Are your guns covered if stolen? Now's the time to find out.

By Brian McCombie

March 2003, Artesia, Mississippi. Chris Vickery got the call that his home had been broken into and arrived to find the front door knocked down and a big mess inside. Thieves had made off with Vickery's laptop computers, a camera and various other small items. They also emptied out his gun safe.

"They stole my Ruger .454 Casull, with a scope and a very nice Uncle Mike's shoulder holster," says Vickery. "I bet they freaked out over that great pistol."

Thieves also got a half-dozen shotguns and a rifle. Vickery was understandably upset. But at least, he figured, his valuables were covered by his homeowners insurance policy. Right? Not exactly. He received a check for his computers and camera, plus repair costs for his door....

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